Self-employed

What is the amount of supplementary pensions provided by self-employed persons? 374.011 affiliates, i.e. 59 % of all self-employed affiliates, have concluded only one (or more) PLCI and/or INAMI agreements. 13% of independent members built up reserves acquired only in one (or more) pension plans for independent managers (individual or collective). Finally, 27% combine the two. Members with both a PLCI/INAMI agreement and a pension plan for independent business managers have the highest average earned reserve, i.e. €141 742. Independents affiliated with only one or more PLCI and/or INAMI agreements have the lowest average reserve acquired, i.e. €15,211. For both men and women, the 46-55 age group has the highest number of self-employed members (nearly 193,000). About 43% of independent affiliates are under the age of 45. In each age group, there are more men than women. The average reserve acquired for all self-employed persons amounts to €51 745 and the median pension reserve amounts to €15 393. The quintile ratio S80/S20 measures inequality and shows the ratio between the average earned reserve of the 20% of members with the highest earned reserves (S80) and that of the 20% of members with the lowest earned reserves (S20). An S80/S20 of 10 means that the amount of the average reserve earned by the 20% of members with the highest reserve is 10 times higher than that of the 20% of members with the lowest pension reserve. This ratio is calculated by age group and gender; persons over the age of 65 are not taken into account.